1. State Bank of India, SCO No.2915-16, Sector 22-C, Chandigarh (Code No.4703) through Chief Manager.
2. State Bank of India, Retail Assets Central Processing Centre, SCO 103-110, 1^st
3. State Bank of India, Rampur (703), VPO Rampur, Shimla, Distt. Shimla, Himachal Pradesh – 172001, through Branch Manager.
4. Chief General Manager, State Bank of India, Local Head Office, Sector 17-B, Chandigarh. 

….Appellants/Opposite Parties No.1, 2, 4 and 5.

Versus

Suresh Kumar s/o Late Sh. Madho Ram, R/o House No.3011-A, Sector 52 (LIG Flats), Chandigarh.

 ……Respondent/Complainant.

Appeal under Section 15 of the Consumer Protection Act, 1986.

BEFORE:  

Argued by:Sh. Sumeer Bector, Adv. for the appellants.

PER DEV RAJ, MEMBER.

              This order shall dispose of three First Appeals bearing Nos.183/2014 filed by Opposite Party No.3, 185/2014 filed by the complainant and 187/2014 filed by Opposite Parties No.1, 2, 4 & 5, against the order dated 11.04.2014, rendered by the District Consumer Disputes Redressal Forum-I, U.T., Chandigarh (hereinafter to be called as the District Forum only), vide which, it allowed Consumer Complaint No.117 of 2013, filed by complainant, qua the Opposite Parties, and directed them as under: -

“13]

I]    to refund a sum of Rs.138435/- being the balance amount retained by OP-3 after the surrender of the policy.

II]    to pay Rs.20,000/- as compensation for mental harassment, pain and agony suffered by the complainant due to the deficiency in service.

 III]   to pay Rs.10,000/- as litigation costs.

This order be complied with by the OPs within a period of 30 days from the date of receipt of copy of this order, failing which they shall be liable to pay interest @12% on the awarded amount from the date of filing of the complaint i.e. 26.02.2013 till its realization, besides costs of litigation.”

2.           The facts, in brief, are that the complainantgot housing loan of Rs.20.00 lacs, from Opposite Party No.1, i.e. State Bank of India on 16.12.2010 and monthly installments were recoverable from his salary account No.10286096712 with SBI, Sector 22, Chandigarh (Annexure C-1).  It was stated that the housing loan account number wa